Why Inflation Matters In Retirement

by | Dec 4, 2020 | Money Tips, Retirement Quick Tips, Podcast, YouTube

Why Inflation Matters In Retirement

This week on The One Minute Retirement Tip Podcast, I’m talking about “why inflation matters in retirement.”

Right now, inflation is very low and has been for many years. As time goes on and we go longer and longer without meaningful inflation, Americans become less and less concerned, I think. I rarely have a client who asks me what we should be doing to protect them from inflation. Why? Because over the last 20 years, it just hasn’t been something that any of us have had to worry about. In fact, with the Great Recession of 2008-2009, we had the opposite problem – worries about deflation!

Inflation can be a big big problem, especially in retirement. If you are unlucky enough to retire during an inflationary time period like the 1970s or 1980s, your lifestyle could be completely altered in retirement. Or worse, cause you to run out of money, just to keep pace with inflation.

Inflation is problematic anytime, because your dollars don’t go as far as they used to. But when you’re working, wages are usually rising to keep up with inflation. That’s not the case when you’re retired. 

The problem comes in when your income and your net worth doesn’t grow in lockstep with the inevitable price increases due to inflation. If your money isn’t growing at least at the pace of inflation, then you are losing because the value of what every dollar can buy is dropping over time. 

So this week, I’m talking about:

✅ Why inflation matters for retirement

✅ What kind of investments will help safeguard your assets and your income in an inflationary environment

✅ What investments you should avoid

✅ Why I think higher inflation is on the horizon and why the time to prepare for higher inflation is now!

To learn more about why inflation matters in retirement, be sure to listen to this week’s intro episode and subscribe to the One Minute Retirement Tip wherever you listen to podcasts. 

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Ashley helps business owners exit their business and retire with financial security. As a Certified Exit Planner she specializes in helping business owners navigate the maze of decisions that need to happen from full-time running their business to retirement.

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